{"id":897,"date":"2026-09-10T15:16:53","date_gmt":"2026-09-10T15:16:53","guid":{"rendered":"https:\/\/www.arxelo.com\/uncategorized\/banks-are-starting-to-issue-their-own-stablecoins\/"},"modified":"2026-09-10T15:16:53","modified_gmt":"2026-09-10T15:16:53","slug":"les-banques-commencent-a-emettre-leurs-propres-stablecoins","status":"publish","type":"post","link":"https:\/\/www.arxelo.com\/fr\/crypto-markets\/institutional-crypto\/banks-are-starting-to-issue-their-own-stablecoins\/","title":{"rendered":"Les banques commencent \u00e0 \u00e9mettre leurs propres stablecoins"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n<img decoding=\"async\" width=\"1080\" height=\"771\" src=\"https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260910_8bfbf9.jpg\" alt=\"\" class=\"wp-image-896\" srcset=\"https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260910_8bfbf9.jpg 1080w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260910_8bfbf9-300x214.jpg 300w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260910_8bfbf9-1024x731.jpg 1024w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260910_8bfbf9-768x548.jpg 768w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260910_8bfbf9-18x12.jpg 18w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\n<figcaption><em>Photo d'Erling L\u00f8ken Andersen (@erling1loken1andersen) sur Unsplash<\/em><\/figcaption>\n<\/figure>\n\n\n<style>body.single-post .cm-featured-image { display: none !important; }<\/style>\n\n<p class=\"isSelectedEnd\"><span>Le 9 septembre, U.S. Bank a effectu\u00e9 un transfert de fonds entre ses entit\u00e9s nord-am\u00e9ricaines et europ\u00e9ennes \u00e0 l'aide d'un stablecoin adoss\u00e9 au dollar \u00e9mis par la banque elle-m\u00eame. La transaction s'est d\u00e9roul\u00e9e sur le r\u00e9seau Stellar, tandis que la banque a conserv\u00e9 ses syst\u00e8mes existants en mati\u00e8re de finance, de conformit\u00e9, de gestion des risques et d'op\u00e9rations.<\/span><\/p><p class=\"isSelectedEnd\"><span>Le nom \u00ab USBDC \u00bb <a href=\"https:\/\/www.arxelo.com\/fr\/categorie\/technologie-blockchain\/\">fait que<\/a> Ce produit peut sembler similaire aux stablecoins qui circulent d\u00e9j\u00e0 sur les march\u00e9s des cryptomonnaies. Sa structure va toutefois dans une autre direction. Un token \u00e9mis par une banque permet \u00e0 l'\u00e9metteur de rester au sein du syst\u00e8me bancaire r\u00e9glement\u00e9, plut\u00f4t que de demander aux clients de passer de la monnaie bancaire \u00e0 un token \u00e9mis par une soci\u00e9t\u00e9 de stablecoins distincte.<\/span><\/p><p class=\"isSelectedEnd\"><span>Les banques ont pass\u00e9 des ann\u00e9es \u00e0 tester le r\u00e8glement via la blockchain sans parvenir \u00e0 s'accorder sur la forme que devrait prendre l'argent circulant sur ces r\u00e9seaux. Les stablecoins ont apport\u00e9 une r\u00e9ponse. Les d\u00e9p\u00f4ts tokenis\u00e9s en ont apport\u00e9 une autre. Un token bancaire propri\u00e9taire offre d\u00e9sormais \u00e0 U.S. Bank une troisi\u00e8me voie : transf\u00e9rer de la valeur sur une blockchain publique tout en maintenant la transaction sous le contr\u00f4le des dispositifs de surveillance existants de la banque.<\/span><\/p><p class=\"isSelectedEnd\"><span>Cette transaction soul\u00e8ve \u00e9galement une question dont le march\u00e9 institutionnel des cryptomonnaies s'est moins pr\u00e9occup\u00e9 que celle de la vitesse des transactions : qui est habilit\u00e9 \u00e0 \u00e9mettre cette monnaie ?<\/span><\/p><p class=\"isSelectedEnd\"><span>Les plateformes d'\u00e9change de cryptomonnaies ont articul\u00e9 leurs activit\u00e9s autour des stablecoins, car les virements bancaires traditionnels \u00e9taient interrompus le week-end, les transferts transfrontaliers \u00e9taient lents et reposaient sur des infrastructures con\u00e7ues bien avant l'apparition des actifs num\u00e9riques. L'USDT et l'USDC ont r\u00e9solu en partie ce probl\u00e8me en offrant aux traders un actif libell\u00e9 en dollars capable de circuler \u00e0 la vitesse de la blockchain.<\/span><\/p><p class=\"isSelectedEnd\"><span>Les banques ont vu les \u00e9metteurs de stablecoins s'emparer d'une partie du syst\u00e8me de paiement qu'elles contr\u00f4laient autrefois elles-m\u00eames. L'USBDC propose une r\u00e9ponse concurrentielle diff\u00e9rente. U.S. Bank n'a pas cr\u00e9\u00e9 une nouvelle plateforme d'\u00e9change de cryptomonnaies ni copi\u00e9 le produit grand public d'un \u00e9metteur de stablecoins. Elle a cherch\u00e9 \u00e0 d\u00e9terminer si la monnaie bancaire elle-m\u00eame pouvait circuler via l'infrastructure de la blockchain.<\/span><\/p><p class=\"isSelectedEnd\"><span>Cette distinction rev\u00eat une importance particuli\u00e8re pour un tr\u00e9sorier d\u2019entreprise ou un investisseur institutionnel, car un jeton libell\u00e9 en dollars \u00e9mis par une banque s\u2019inscrit dans un cadre diff\u00e9rent de celui d\u2019un stablecoin d\u00e9tenu dans un portefeuille externe. L\u2019exposition au risque de cr\u00e9dit, les m\u00e9canismes de rachat, le traitement r\u00e9glementaire, l\u2019infrastructure des comptes et l\u2019acc\u00e8s au syst\u00e8me bancaire traditionnel d\u00e9pendent tous de l\u2019\u00e9metteur et de la structure juridique qui sous-tend le jeton.<\/span><\/p><p class=\"isSelectedEnd\"><span>Les blockchains publiques ajoutent une couche suppl\u00e9mentaire. Les banques ont souvent privil\u00e9gi\u00e9 les registres distribu\u00e9s priv\u00e9s, car ceux-ci leur permettent de contr\u00f4ler la participation, la gouvernance et la visibilit\u00e9 des donn\u00e9es. Une banque qui utilise un r\u00e9seau public accepte de partager l'infrastructure tout en conservant le contr\u00f4le des fonctions r\u00e9glement\u00e9es li\u00e9es \u00e0 la transaction.<\/span><\/p><p class=\"isSelectedEnd\"><span>U.S. Bank a choisi Stellar pour ce projet pilote, mais la blockchain en elle-m\u00eame ne repr\u00e9sente qu'une partie de l'histoire. La banque a reli\u00e9 un transfert sur la blockchain \u00e0 des syst\u00e8mes qui g\u00e8rent d\u00e9j\u00e0 la comptabilit\u00e9, les contr\u00f4les des risques et les obligations r\u00e9glementaires. L'adoption de la blockchain par les institutions s'est maintes fois heurt\u00e9e \u00e0 cette barri\u00e8re. Transf\u00e9rer un jeton ne prend que quelques secondes. Mais pour que ce transfert s'int\u00e8gre correctement dans le reste du syst\u00e8me d'une institution financi\u00e8re, il faut davantage d'ing\u00e9nierie.<\/span><\/p><p class=\"isSelectedEnd\"><span>Le march\u00e9 dans son ensemble compte d\u00e9sormais plusieurs formes concurrentes de \u00ab dollars num\u00e9riques \u00bb. Les \u00ab stablecoins \u00bb de paiement disposent de r\u00e9serves adoss\u00e9es \u00e0 des jetons. Les banques commerciales \u00e9mettent des d\u00e9p\u00f4ts classiques. Les banques et les prestataires technologiques exp\u00e9rimentent actuellement des versions tokenis\u00e9es de ces d\u00e9p\u00f4ts. Les fonds mon\u00e9taires se sont \u00e9galement tourn\u00e9s vers la blockchain, offrant aux investisseurs des cr\u00e9ances tokenis\u00e9es sur des titres \u00e0 court terme plut\u00f4t que des soldes bancaires.<\/span><\/p><p class=\"isSelectedEnd\"><span>Chaque outil r\u00e9pond \u00e0 un besoin diff\u00e9rent. Un trader souhaitant fournir une garantie sur une plateforme de cryptomonnaies n\u2019a pas les m\u00eames exigences qu\u2019une multinationale transf\u00e9rant des fonds entre ses filiales. Un consommateur effectuant un paiement a quant \u00e0 lui des besoins encore diff\u00e9rents. Les institutions financi\u00e8res ne se feront donc pas concurrence uniquement sur la technologie blockchain. Elles s\u2019affronteront pour d\u00e9terminer quelle forme de monnaie sera la plus facile \u00e0 utiliser sur les diff\u00e9rents r\u00e9seaux.<\/span><\/p><p class=\"isSelectedEnd\"><span>L'id\u00e9e re\u00e7ue selon laquelle la finance bas\u00e9e sur la blockchain allait cr\u00e9er un syst\u00e8me mon\u00e9taire parall\u00e8le en marge des banques s'est affaiblie. Au contraire, les banques int\u00e8grent d\u00e9sormais leurs propres engagements dans ce syst\u00e8me.<\/span><\/p><p class=\"isSelectedEnd\"><span>Le projet pilote de U.S. Bank reste un simple projet pilote. Une seule transaction transfrontali\u00e8re interne ne suffit pas \u00e0 cr\u00e9er un nouveau r\u00e9seau de paiement, et le march\u00e9 doit encore r\u00e9pondre \u00e0 des questions concernant l\u2019interop\u00e9rabilit\u00e9, la liquidit\u00e9 et le traitement des jetons \u00e9mis par les banques d\u2019une juridiction \u00e0 l\u2019autre.<\/span><\/p><p class=\"isSelectedEnd\"><span>Cet aspect est plus difficile \u00e0 \u00e9carter. D\u00e8s lors qu'une banque commerciale place son propre instrument adoss\u00e9 au dollar sur une blockchain publique, le d\u00e9bat ne porte plus sur la question de savoir si les banques utiliseront ou non l'infrastructure blockchain. La concurrence porte alors sur la question de savoir quels dollars transitent par cette infrastructure.<\/span><\/p><br>","protected":false},"excerpt":{"rendered":"<p>Alors que les banques commencent \u00e0 \u00e9mettre leurs propres stablecoins, le secteur financier conna\u00eet une profonde mutation. Cet article examine les implications, les points de vue des experts et les tendances futures li\u00e9es \u00e0 cette \u00e9volution.<\/p>","protected":false},"author":2,"featured_media":896,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[13],"tags":[],"class_list":["post-897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-institutional-crypto"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banks Are Starting To Issue Their Own Stablecoins<\/title>\n<meta name=\"description\" content=\"As banks begin issuing their own stablecoins, the financial industry is witnessing a transformative shift. 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